Last Updated: May 29, 2026
Welcome to Luma, a product developed by Charles Labs Co. (including all of our affiliates, “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, services, applications, and features—including our trading journal platform available at withluma.app (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.
These Terms apply to every user of any part of the Services, including users of free features, users who have not created an account or purchased a subscription, and users of our Tokenized Vaults (as described in Section 23). By accessing, browsing, connecting a wallet to, depositing into, managing, or otherwise using any portion of the Services—whether free or paid—you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use any part of the Services.
Please also familiarize yourself with our Privacy Policy to understand how we manage your information.
WHEN YOU AGREE TO THESE TERMS, YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND US THROUGH BINDING ARBITRATION RATHER THAN IN COURT AND TO A CLASS ACTION WAIVER. PLEASE REVIEW CAREFULLY SECTIONS 15 AND 16 BELOW FOR DETAILS REGARDING YOUR RIGHTS. HOWEVER, IF YOU ARE A RESIDENT OF A JURISDICTION WHERE APPLICABLE LAW PROHIBITS ARBITRATION OF DISPUTES, THE AGREEMENT TO ARBITRATE WILL NOT APPLY TO YOU.
Luma is an AI-powered trading journal and intelligence platform for cryptocurrency traders. Luma provides tools to track, analyze, and improve your trading performance across blockchain networks. Through our web-based interface, Luma allows you to connect your wallets (read-only) to automatically import and categorize your on-chain trades, generate AI-driven insights and analytics, access smart money intelligence data, and maintain a structured trading journal. Luma does not execute trades, take custody of your digital assets, or have access to your private keys.
For inquiries or support, contact us at: support@withluma.app
By using our Services:
You represent and warrant that you have read, understood, and agree to these Terms as well as any additional policies or guidelines incorporated herein by reference.
If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
In addition:
Certain features or services offered through Luma may be subject to additional terms, policies, or guidelines. These additional terms are incorporated by reference into these Terms and will be provided to you before your use of those specific features.
Luma provides you with a platform to connect your cryptocurrency wallets (read-only) to import, track, and analyze your on-chain trading activity. The Services include AI-powered trade analysis, performance analytics, smart money intelligence, social sentiment data, and journaling tools. The Services are not a physical product or good. By using the Services, you acknowledge and agree that the Services are intangible software tools designed for informational and analytical purposes.
The Services utilize artificial intelligence and natural language processing to analyze trading data, generate insights, and provide interactive features (“Generative AI”). You understand and acknowledge that Generative AI is a developing technology, the potential risks inherent to this technology may not be fully understood, and safeguards may not be fully developed. We disclaim all liability resulting from your use of the Services, and make no representation or warranty, express or implied, concerning the extent to which your use of the Services or the output of such Generative AI is appropriate, permissible, lawful, accurate, correct, or otherwise suitable for you or its intended use.
The underlying Generative AI technology may, in some cases, provide incorrect, inaccurate, or otherwise inappropriate information. If you do not agree with this assumption of risk, you should not use the Services.
The Generative AI does not have the authority to enter into any agreements, contracts, or binding commitments on behalf of us. You agree that any changes to agreements or contracts with us must be made through authorized representatives and through proper, formal channels, and not through interactions with the Services.
Luma connects to your wallets in a read-only capacity to import your on-chain transaction history. This means:
Luma provides smart money intelligence features that aggregate and analyze publicly available on-chain data including wallet activity, token metrics, and social sentiment. This data is derived from public blockchain records and third-party data providers. The intelligence features are for informational purposes only and do not constitute trading signals, recommendations, or financial advice.
All information provided by the Services is for informational purposes only and should not be construed as professional advice. You should not take, or refrain from taking, any action based on any information contained in the Services. Before you make any financial, legal, or other decisions involving the Services, you should seek independent professional advice from an individual who is licensed and qualified in the area for which such advice would be appropriate.
These Terms are not intended to, and do not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You further agree that the only duties and obligations that we owe you are those set out expressly in these Terms.
We may suspend or terminate your access to the Services at any time as required by applicable law, any governmental authority, or if we in our sole and reasonable discretion determine you are violating these Terms or the terms of any third party service provider. Such suspension or termination shall not constitute a breach of these Terms by us.
Our Services may incorporate or link to third-party products, services, or software (collectively, “Third Party Services”), including blockchain data providers, wallet connection services, and social data platforms. Your use of these Third Party Services is subject to the respective terms and policies of those providers. Luma is not responsible for and does not endorse any Third Party Services, nor shall we be liable for any issues, losses, or damages arising from your use of such services.
Luma offers free and paid subscription tiers. Paid features, including enhanced AI analysis and premium intelligence data, require an active subscription. Subscription fees are billed on a monthly or annual basis as selected at the time of purchase.
If you purchase any services or features that require payment, you agree to provide complete and accurate payment information. By authorizing payments, you consent to the automatic billing of your chosen payment method for recurring fees. You are responsible for all charges incurred in connection with your use of our Services.
You are solely responsible for any and all taxes, duties, levies, or assessments that may be applicable to your use of our Services, your trading activity, your deposits or withdrawals, your vault shares, and any gains, income, fees, or distributions arising therefrom. It is your responsibility to determine what, if any, taxes apply to your transactions, and to report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your transactions, or for collecting, reporting, withholding, or remitting any taxes on your behalf.
Any data, reports, profit-and-loss figures, cost-basis calculations, or analytics that the Services generate are provided for informational purposes only, may be incomplete or inaccurate, and do not constitute tax, accounting, or legal advice. You should consult your own qualified tax advisor. To the fullest extent permitted by applicable law, we are not liable for any tax consequence, penalty, interest, audit, reporting error, or loss you incur in connection with your use of the Services, and you assume all such tax-related risk.
In addition to traditional payment methods, Luma accepts cryptocurrency payments in USDC on the Base network. By choosing to pay with cryptocurrency, you acknowledge and agree to the following:
You represent that you have the legal authority to enter into these Terms.
You agree to comply with all applicable laws and to use the Services only for lawful purposes. In particular, you shall not:
Failure to comply with these rules may result in suspension or termination of your account and access to our Services without notice.
You warrant that any data or content you provide (i) is wholly owned, controlled, or appropriately licensed by you and (ii) does not infringe upon third-party rights or violate any applicable law.
You agree to comply with all applicable export control laws and regulations, including U.S. export control and economic sanctions laws and regulations. In particular, you represent and warrant that:
All intellectual property rights—including but not limited to trademarks, logos, text, graphics, images, and software—associated with Luma and our Services are owned exclusively by us or our licensors.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your personal, non-commercial use.
You may not copy, modify, distribute, sell, lease, or create derivative works from any content or materials provided through our Services without our explicit written consent.
Feedback is welcome. If provided, you agree that we can use it without any obligation to compensate you.
Our Services are provided on an “as is” and “as available” basis without any warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted service.
We do not warrant that the Services will be error-free, secure, or continuously available. You use the Services at your own risk. Trading analytics, AI-generated insights, smart money intelligence, and scoring data may contain errors or inaccuracies. You should not rely solely on information provided by the Services when making trading or investment decisions.
You acknowledge that the use of blockchain technology and Third Party Services involves risks that may be outside our control. We disclaim any liability for losses resulting from such risks. Where the Services rely on or interact with third-party services, APIs, or data providers, you acknowledge that these are not controlled by us and may be subject to their own risks and terms. We shall not be liable for any loss or damages resulting from the unavailability, malfunction, or breach of any such third-party service.
You understand and expressly accept the inherent risks associated with interacting with blockchain technologies, digital assets, and AI-powered analytics systems. This includes, but is not limited to, the risk of:
You agree that we are not liable for any loss of data, personal information, or financial losses arising from such risks, whether caused by internal systems, third parties, or external actors.
To the maximum extent permitted by applicable law:
We, our team, and our affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages (including loss of profits, revenue, data, digital assets, trading losses, or goodwill) arising out of or in connection with your use of the Services—even if advised of the possibility of such damages, and regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise).
Our aggregate liability under these Terms, for all claims in the aggregate, will not exceed the greater of (a) the total fees you actually paid to us in the 12 months preceding the event giving rise to the claim or (b) one hundred U.S. dollars (US $100). For users of free features (including the Tokenized Vaults described in Section 23) who have paid us no fees, our aggregate liability shall not exceed one hundred U.S. dollars (US $100). You acknowledge that the fees (if any) reflect this allocation of risk and that we would not provide the Services on the same terms without this limitation.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (such as liability for fraud or for death or personal injury caused by gross negligence). In such jurisdictions our liability is limited to the fullest extent permitted by law.
YOU ACKNOWLEDGE AND AGREE THAT YOU USE THE SERVICES ENTIRELY AT YOUR OWN RISK. YOU ASSUME FULL AND SOLE RESPONSIBILITY FOR ALL DECISIONS, TRADES, DEPOSITS, WITHDRAWALS, AND OUTCOMES ARISING FROM YOUR USE OF THE SERVICES.
You expressly understand and accept that: (a) the Services, including all software, smart contracts, analytics, scores, and AI outputs, may contain bugs, errors, or vulnerabilities and may fail, be exploited, or become unavailable at any time; (b) cryptocurrency trading and on-chain activity are highly speculative and can result in the partial or total loss of your digital assets; (c) you may lose everything you deposit, trade, or hold in connection with the Services; and (d) no outcome, return, profit, or preservation of capital is guaranteed. You alone bear all such risk, and you agree that we bear none of it.
ALL CLAIMS RELATING TO THE SERVICES LIE SOLELY AND EXCLUSIVELY AGAINST CHARLES LABS CO. AS AN ENTITY, AND NOT AGAINST ANY INDIVIDUAL.
To the fullest extent permitted by applicable law, you acknowledge and agree that any and all liability, obligation, claim, or cause of action arising out of or relating to the Services or these Terms shall be satisfied solely from, and is limited to, the assets of Charles Labs Co. No founder, owner, member, manager, director, officer, employee, contractor, agent, advisor, or other representative of Charles Labs Co. (each, a “Protected Person”) shall bear any personal liability whatsoever—whether in contract, tort, negligence, equity, or otherwise—for any matter arising out of or relating to the Services or these Terms. You hereby irrevocably waive, release, and covenant not to assert any claim of any kind against any Protected Person in their individual or personal capacity, and you agree to look solely to Charles Labs Co. (the entity) for any remedy. This Section is intended to confer a benefit on, and is enforceable by, each Protected Person as a third-party beneficiary of these Terms. This Section does not purport to waive any liability that, as a matter of applicable law, cannot be waived (for example, liability for a Protected Person's own fraud).
To the maximum extent permitted by applicable law, you hereby irrevocably waive, release, and discharge any and all claims, demands, and causes of action, whether known or unknown, against us and our affiliates and each Protected Person (as defined in Section 12.3), arising from or related to:
This waiver applies regardless of whether we were advised of or reasonably could have foreseen the possibility of such damages. If you are a California resident, you expressly waive California Civil Code Section 1542, which states: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” You waive the benefit of any comparable statute or rule in any other jurisdiction.
You agree that your sole and exclusive remedy for any dispute with us is to proceed through the dispute-resolution process set out in Section 15. Except to initiate or participate in that process (or to bring an individual claim in small claims court where permitted), you covenant not to commence, maintain, or participate in any lawsuit, action, or proceeding of any kind against us or any Protected Person, in any forum, arising out of or relating to the Services or these Terms. Any attempt to do so in breach of this covenant may be enjoined and entitles us to recover our reasonable attorneys’ fees and costs.
You agree to indemnify, defend, and hold harmless Charles Labs Co., its affiliates, and each Protected Person (as defined in Section 12.3) (collectively, the “Indemnified Parties”) from and against any and all claims, liabilities, damages, losses, judgments, fines, penalties, and expenses—including reasonable attorneys’ fees and costs—arising out of or in any way connected with:
We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. This indemnification obligation survives termination of these Terms.
You may discontinue using our Services at any time. If you choose to terminate your account, you must notify us in writing (e.g., via our support email).
We reserve the right in our sole discretion to suspend or terminate your access to our Services without notice if we determine that you have breached these Terms or if your actions are deemed to pose a risk to us, our users, or third parties.
Upon termination of your account:
If you have any concerns or disputes regarding these Terms or the Services (“Dispute”), please contact us at: support@withluma.app. We encourage you to first reach out to us to attempt an informal resolution.
Except for claims eligible for small claims court or for injunctive relief to prevent unauthorized use of our intellectual property:
To the fullest extent permitted by law:
These Terms shall be governed by and construed in accordance with the laws of the state of New York without regard to its conflict-of-law principles. You agree to submit to the exclusive jurisdiction of New York courts for disputes arising out of these Terms unless otherwise required by applicable law.
We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on our website or notifying you through other communication channels. Your continued use of our Services after any such changes constitutes your acceptance of the new Terms. If you do not agree with the changes, you must stop using the Services.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.
These Terms, together with any additional terms or policies referenced herein, constitute the entire agreement between you and us regarding your use of the Services and supersede all prior or contemporaneous communications and proposals, whether oral or written.
You acknowledge and agree that in entering into these Terms and using the Services you have not relied and are not relying on any representations, warranties or other statements whatsoever, whether written or oral (from or by us or any person acting on our behalf) other than those expressly set out in these Terms (or other related documents referred to herein) and that you do not have any right or remedy arising out of any representation, warranty or other statement not expressly set out in these Terms.
For any questions, concerns, or comments about these Terms or the Services, please contact us at: support@withluma.app
Last Updated: March 16, 2026
These Brand Community Guidelines (“Brand Terms”) govern your use of our software, website, user interface and other applications or tools that we make available. These Brand Terms are supplemental to, and incorporated by reference into, our general Terms of Service (“General Terms”). Defined terms used but not defined herein have the meanings set forth in the General Terms.
We will enforce our trademark, copyrights and other intellectual property rights to protect our users. These Brand Terms cover all our trademarks, trade dress and copyrights, whether they are registered or not (“Luma IP”) and they include, but are not limited to:
You may reference Luma solely to describe the factual relationship to our technology. For example, you may state: “This analysis was generated using Luma,” or “Trade data imported via Luma.” You may use the Luma name solely for truthful, descriptive references to our products or services.
If you wish to obtain permission for any other use of our intellectual property, please contact us at: support@withluma.app
Luma’s technology creates proprietary intellectual property through its AI-powered analytics engine, including but not limited to: the Luma Score algorithm, smart money intelligence scoring models, token ranking and filtering systems, social sentiment analysis pipelines, trade pattern recognition systems, and AI-generated trading insights. These algorithms, models, data pipelines, scoring methodologies, and their outputs are the exclusive intellectual property of Charles Labs Co.
Luma may display, analyze, and reference third-party data including publicly available blockchain data, token information, social media metrics, and market data sourced from third-party providers. All trademarks, token names, and other intellectual property associated with third-party tokens, protocols, or platforms referenced within our Services remain the property of their respective owners and do not belong to Luma.
By using our Services, you acknowledge that the analytical outputs, scores, rankings, and intelligence data generated by Luma’s proprietary algorithms are the intellectual property of Charles Labs Co. and may not be reproduced, redistributed, or used to build competing products without our express written consent.
THE TOKENIZED VAULTS ARE A HIGH-RISK, EXPERIMENTAL, NON-CUSTODIAL DEFI FEATURE. YOU CAN LOSE SOME OR ALL OF YOUR DIGITAL ASSETS. CHARLES LABS CO. IS A SOFTWARE PROVIDER ONLY AND DOES NOT HOLD YOUR FUNDS, MANAGE YOUR INVESTMENTS, OR GUARANTEE ANY OUTCOME. READ THIS SECTION CAREFULLY BEFORE USING THE VAULTS.
Luma offers a feature known as “Tokenized Vaults” (the “Vaults”), a decentralized, non-custodial, on-chain copy-trading and pooled-asset primitive deployed via smart contracts on the Base mainnet blockchain. The Vaults are available to users on all tiers, including free-tier and non-subscribing users. By accessing, depositing into, managing, or otherwise interacting with any Vault, you agree to be bound by these Terms, including this Section 23.
A user acting as a “Manager” may create a Vault. Other users acting as “Funders” may deposit accepted tokens (such as USDC, cbBTC, or WETH) into a Vault and, in exchange, receive transferable vault shares (ERC-4626-style) representing a pro-rata interest in the Vault’s pooled assets. The Manager directs trading of the pooled assets solely through Luma’s in-app swap interface (which integrates a third-party swap widget). Upon redemption, a Funder receives a pro-rata, in-kind slice of all tokens then held by the Vault, less any applicable performance fee (subject to a high-water mark) and, where applicable, a 5% early-exit fee on the locked portion. Vault funds are held in a Manager wallet (a self-custodial-style server wallet provisioned through a third-party provider) and in the Vault smart contracts—never by Charles Labs Co.
Charles Labs Co. provides only the software and user interface that interact with independent, on-chain smart contracts and third-party services. To the fullest extent permitted by applicable law, you acknowledge and agree that Charles Labs Co. is NOT, and does not act as, any of the following with respect to the Vaults or otherwise:
Charles Labs Co. does not hold, control, transmit, or have custody of any user’s digital assets or private keys in connection with the Vaults, does not execute trades on your behalf, and does not direct, endorse, control, or supervise the conduct of any Manager or the selection or performance of any token or Vault.
Nothing in or about the Vaults constitutes investment, financial, legal, tax, or other professional advice, or a recommendation, solicitation, or endorsement to deposit into, create, manage, hold, or redeem any Vault or to buy, sell, or hold any token. All Vault information (including any displayed performance, scores, prices, or analytics) is provided for informational purposes only and may be inaccurate, delayed, or incomplete. You alone are responsible for evaluating any Vault and Manager and for your own decisions.
You act entirely on a self-directed basis and make all decisions yourself. Amounts you contribute to a Vault are not deposits in the banking or savings sense, are not legal tender, are not held by Charles Labs Co., are not insured or guaranteed by Charles Labs Co., any government, any deposit-insurance scheme, or any other person, and may lose value or go to zero. No return, yield, profit, or preservation of principal is promised or guaranteed by anyone.
You expressly understand and assume all risks inherent in interacting with smart contracts and decentralized finance, including without limitation the risk of:
You agree that all such risks are assumed solely by you, that on-chain transactions are irreversible and final, and that you have no recourse against Charles Labs Co. or any Protected Person for any resulting loss. To the fullest extent permitted by applicable law, Charles Labs Co. owes no fiduciary duty to any Funder, Manager, or other user in connection with the Vaults.
Charles Labs Co. does not offer, issue, sell, underwrite, promote, or distribute vault shares or any investment product, and does not pool, manage, or invest user assets. Vault shares are created and issued by autonomous smart contracts in connection with a Funder’s own self-directed deposit, not by Charles Labs Co. By using the Vaults, you represent, warrant, and agree that:
You represent and warrant that you are legally permitted to use the Vaults in your jurisdiction and that you are not a Restricted Person. A “Restricted Person” includes any person who:
We reserve the right (but assume no obligation) to restrict, geoblock, screen, suspend, or terminate access to the Vaults for any person or jurisdiction, at any time and in our sole discretion, including via any technically available method. You are responsible for ensuring your use of the Vaults complies with all laws applicable to you.
Performance fees (subject to a high-water mark) and the 5% early-exit fee on the locked portion are disclosed in the interface at the time you interact with a Vault, are deducted on-chain at redemption, and are non-refundable. You are solely responsible for all gas and network transaction fees, which are charged by the underlying blockchain and not by Charles Labs Co. Fee parameters may vary by Vault and may change for future deposits; the fees applicable to your interaction are those in effect at the time of that interaction.
The disclaimers, assumption-of-risk, limitation-of-liability (including the US $100 aggregate cap and the personal-liability shield in Section 12), waiver and release, covenant not to sue, and indemnification provisions of these Terms apply in full to your use of the Vaults. To the fullest extent permitted by applicable law, neither Charles Labs Co. nor any Protected Person shall have any liability arising out of or relating to the Vaults, the conduct of any Manager, the performance of any token, the operation or failure of any smart contract or oracle, or any loss of digital assets.
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
© 2026 Charles Labs Co. All rights reserved.